TERMS OF SERVICE

These Terms of Service (these “Terms”) reflect the way IQRA Network Inc works. In what follows, COMPANY, WE, US, and OUR refers to IQRA Network Inc and YOU refers to the student who purchases services from IQRA Network Inc or who accesses any website owned or run by IQRA Network Inc, including the website located at iqranetwork.com (the “Website”). Please review these terms carefully. If you do not agree to these Terms, you may not participate in our sessions, affiliate program, or access or use our Website or services. you may not access or use the Website or accept these Terms if you are not at least 13 years old. If you are between the ages of 13-17, you shall not access or use the Website or services without the supervision of a parent or legal guardian.

PRIVACY POLICY

The Company respects the privacy of website users.  Please refer to the Company’s Privacy Policy (found here) which explains how we collect, use, and disclose information that pertains to your privacy. The Company’s Privacy Policy is hereby incorporated in these Terms by reference. In the event that there is a conflict between these Terms and the Privacy Policy, the Privacy Policy shall control. When you access or use the Website, you signify your agreement to the Company’s Privacy Policy.

USE RESTRICTIONS

Your permission to use the Website is conditioned upon the following Use Restrictions and Conduct Restrictions: You agree that you will not under any circumstance:

ONLINE CONTENT DISCLAIMER

Opinions, advice, statements, offers, or other information or content made available through the Website should not necessarily be relied upon.  Such authors are solely responsible for such content.  The Company does not guarantee the accuracy, completeness, or usefulness of any information on the Website, and neither does the Company adopt nor endorse, nor is the Company responsible for, the accuracy or reliability of any opinion, advice, or statement made by parties other than the Company. The Company takes no responsibility and assumes no liability for any content on the Website.  Under no circumstances will the Company be responsible for any loss or damage resulting from anyone’s reliance on information or other content posted on the website, or transmitted to users.

PAYMENTS AND BILLING

Pricing

Subject to these Terms, certain features of the Website require you to purchase a subscription plan or one-time service offered by the Company (these features which require purchase, collectively called the “Paid Services”). Your rights and obligations will be based on the type of Paid Services you choose. Details about the different types of Paid Services, and the limits and available features associated with those Paid Services, are available at [https://iqranetwork.com/pricing/].

You may change the type of subscription plan selected as part of the Paid Services at any time by (i) emailing us at [[email protected]] and following any instructions, if any, we provide to you in response to your change request or (ii) initiating a change through your account settings. 

Sessions Confirmation and Payment Schedule

(a) All sessions that are booked with The Company are subject to approval by The Company, at our reasonable discretion. We may choose not to approve a student or provide a service to you or may cancel a session before the session is taught, if:

(i) we reasonably consider this necessary in order to:

(A) protect the integrity of our systems;

(B) prevent fraud;

(C) otherwise protect us against legal, regulatory or non-payment risk;

(ii) we reasonably suspect, or are aware, that you have breached these Terms in a material respect (including by failing to make any payment due under this Agreement on the payment due date);

(iii) we otherwise reasonably consider your request to be suspicious.

(b) If we cancel sessions:

(i) we will apply a full refund of any amounts you have paid to us to your Nominated Payment Source (as hereinafter defined) or (if that is not possible) to any other payment method that you have provided us details of. In the event the approved sessions are canceled because a chargeback has been incurred by The Company in relation to a payment for the approved sessions, that payment will not be refunded by The Company. Any return of funds in that event will be as between you and your issuing bank.

(ii) you will have no obligation to make any further payments to us, or any other ongoing relationship with us, with respect to the canceled sessions

(c) Once we approve your sessions and confirm the schedule, you will receive an email from us with confirmation and a payment schedule invoices you every 28 days (your “Payment Schedule”). Invoices issued to you under your Payment Schedule will cover sessions taking place during the 28-day period immediately following the date of each such invoice. Your payment of each such invoice is due in full not later than three days following the date of each such invoice.

(d) You agree to ensure that payment(s) are made in accordance with the Payment Schedule. You may make early payments through our approved payment gateways including WePay, Stripe, Freshbooks, Paypal, and Direct Bank Deposit on time according to the due date on the invoice, otherwise, The Company will automatically process payments in accordance with the due dates stated on the Payment Schedule. You authorize The Company to process such payments using the Payment Method details provided by you. If an Automatic Payment fails on any of the dates specified in your Payment Schedule, The Company reserves the right to re-attempt to process the payment at a later time or date.

(e) If you are unable to make payments due to financial hardship, please contact [email protected] or call us at 1-855-477-2100. The Company maintains a fund for sponsoring students who are going through financial hardship and depending on your circumstances, funds can be allocated towards your fees.

Surcharge for Group Lessons

For group lessons, an additional fee of $1 per student will be incurred. Groups of 3 or more students are only available for Elite packages, which require skilled teachers.

Discounts

Discounts apply when two or more students are enrolled under the same plan or a higher one. Group lessons are not eligible for discounts. In cases where multiple discount levels apply, the lesser discount will be applied.

Automatic Payments and your Continuous Payment Authority

(a) An ‘Automatic Payment’ is a payment, through the payment method you have chosen, that we will automatically, directly charge for our services (“Nominated Payment Source”) on a regular basis in agreed upon amounts as outlined in your Payment Schedule under a continuous payment authority (“CPA”). You will have the option to select your Nominated Payment Source when your account is being created. You can update or change your preferred Nominated Payment Source or Payment Method at any time via your Freshbooks/Paypal account or by emailing [email protected].


(b) Subject to the other terms of these Terms, you hereby expressly authorize The Company to deduct Automatic Payment amounts from your Nominated Payment Source and any other Payment Method listed on your IQRA Network/Freshbooks/Paypal account for the amounts and on those scheduled dates set out in your Payment Schedule using the CPA. You acknowledge that you are giving us the ability to collect or reverse variable payment amounts from or to your Nominated Payment Source, in accordance with your Payment Schedule and these Terms.

(c) You can cancel a CPA at any time by contacting your bank directly in which case we’ll no longer be entitled to take payment under the CPA. If you do cancel a CPA, you’ll still owe us the remaining balance of your payments and you will be required to make your repayments by an alternative method.

(d) You are responsible for ensuring that you have sufficient funds in your Nominated Payment Source available to make Automatic Payments on the dates specified in your Payment Schedule. You are liable for any fees or charges imposed by your Nominated Payment Source, except to the extent that such fees or charges arise as a result of our error or system failure.  If any fees or charges are imposed as a result of our error or system failure, you must provide us with a copy of the relevant records, and we will reimburse you for the relevant fees or charges.

(e) If an Automatic Payment fails (for example, if your Nominated Payment Source is a credit or debit card which has expired), we may take payment from another Payment Method listed on your IQRA Network/Paypal/Freshbooks account and we may make multiple attempts on each such Payment Method.  If our attempts to take payment fail, Late Fees (as hereinafter defined) may apply unless you otherwise make the scheduled payment on or before the relevant due date. You authorize us to take payment of any amount that you owe us by:

(i) Debiting your Nominated Payment Source at a later time or date;

(ii) Debiting any other payment method which you have provided details of;

(iii) Offsetting the payment amount against any amounts we may owe to you; or

(iv) Any other legal means.

Late Payments

(a) If you fail to pay any amounts according to the Payment Schedule, we reserve the right to refer the matter to collections. In the event that we refer any amount(s) you owe us to collections, we will charge you a late fee in the amount of fifty percent (50%) of such outstanding amount(s) which were referred to collections (each a “Late Fee,” collectively “Late Fees”).

(b) We may, at our sole discretion, reasonably delay the application of, or waive wholly or partly, any Late Fee.  If Late Fees are or may be incurred as a result of The Company’s error, please let us know, and we will waive or refund any such fees.

(c) We will provide you with timely notice when you have missed a payment, and work with you to determine how the missed payment can be made. We’ll follow a collections process under which we’ll do our best to work with you to bring your payment(s) up to date. However, please note the consequences of non-payment set out in paragraph (d) below and the consequences of late payment set out in sections (a) and (b) above.

(d) If you fail to make a payment, we reserve the right to add details of that failure to pay to your credit record with the credit reference agencies. Missing payments may affect your credit rating and also make it more difficult to obtain credit in the future. You should not proceed with signing up if you believe you cannot afford the payments now or will not be able to in the future.

(e) Any payment received will be applied to the oldest outstanding payment e.g. if your second and third payments are outstanding and you make a payment to us, it will be applied to the second payment in full.  Any money remaining once the second payment has been settled in full will be applied to your third repayment.

Cross Border Transactions

Where you use our service to make a purchase from outside of the United States, we will bill you in the currency of the United States of America and your local bank will be responsible for converting charges to your local currency. The exchange rate used will change regularly to reflect the currency fluctuations in the foreign exchange market.

No setup fees or foreign exchange commission will be applied to the exchange rate applied to perform the conversion.

You agree to comply with all applicable international laws, including but not limited to those United States laws and regulations governing payment from embargoed or otherwise sanctioned foreign countries.

Session Cancellation/Session Rescheduling/Refunds

(a) It is your responsibility to notify The Company if you intend to cancel sessions. All lesson cancellation and rescheduling requests must be submitted through the student app or the dashboard, or emailed to [email protected], at least 4 hours before the start of the session(s) being canceled or rescheduled. Failure to submit a request through one of these approved methods within the required time frame will result in the forfeiture of the lesson, and no refund or additional reschedule will be provided.

Depending on the subscription plan that you selected here and who initiates the cancellation, you may be eligible for refund credits on your next invoice. Eligibility for a refund following cancellation is detailed below. When teachers experience excessive cancellations or late cancellations, their schedules remain occupied and The Company is unable to allocate new students for them to compensate for the cancellations.

Eligibility for a refund following cancellation is determined as follows:

1- If a teacher cancels a session, you are always eligible to receive a full refund for each such canceled session, regardless of your chosen plan (Elite, Pro, Essential, or Simple).

2- If you cancel a session 4 hours or less before the session start time  you will not be eligible for a refund for such a canceled session regardless of your chosen plan.

3- If you have an Elite plan you are eligible for up to three (3) refunds per calendar month for sessions that are canceled by you more than four (4) hours before the start time of the session being canceled. If you have an Elite plan you can reschedule an unlimited number of canceled sessions per month provided that each rescheduled session is scheduled no more than thirty (30) days following the date of the original session.

4- If you have a Pro plan, you are eligible for up to one (1) refund per calendar month for sessions that are canceled by you more than four (4) hours before the start time of the session being canceled. If you have a Pro plan you can reschedule up to four (4) canceled sessions per calendar month provided that each rescheduled session is scheduled no more than thirty (30) days following the date of the original session. A lesson can only be rescheduled once.

5 – If you have an Essentials or Simple plan you are not eligible for any refund(s) for sessions that are canceled by you. If you have an Essentials plan you are entitled to reschedule a maximum of 2 sessions per month. If you have a Simple plan you are not entitled to reschedule any canceled sessions.

(b) A lesson can be rescheduled only once. While we will make every reasonable effort to reschedule lessons with the original teacher, IQRA Network reserves the right to assign a substitute teacher when the original teacher is unavailable. The student is required to accept the substitute teacher provided by IQRA Network, as long as the substitute teacher is deemed suitable based on the student’s course requirements and proficiency level.

IQRA Network will determine the suitability of the substitute teacher, ensuring that they meet the necessary qualifications for the student’s continued progress. Failure to accept a substitute teacher will result in the forfeiture of the lesson, and no refund or additional reschedule will be granted.

(d) Any rescheduling action will count against the monthly quota of the original lesson date, not the rescheduled date. Example: Rescheduling a lesson originally set for October 28th will reduce October’s quota, regardless of the new date.

(e) Unless we are notified by you that a session needs to be canceled, we will continue to process any Automatic Payments in accordance with the dates set out in your Payment Schedule.

(f) Until such time when you cancel sessions, you will remain liable to us for the full payment of service, in accordance with your Payment Schedule.

Plan Upgrades and Downgrades and Schedule Changes

(a) If you reduce your scheduled lessons in the middle of a billing cycle, your changes will take effect at the beginning of the next billing cycle. For example, if you start your lessons on May 1st and decide to reduce your lessons on May 4th, the change will take effect 28 days after the beginning of the billing cycle which is May 29th. Refunds will not be issued for the reduction in hours, however, cancellation and rescheduling policies will apply according to section Session Cancellation/Session Rescheduling/Refunds of this document.

(b) If you downgrade your plan, the downgrade will take effect at the beginning of the next billing cycle. For example, if you start your lessons on May 1st and decide to change your plan from Pro to Essentials on May 4th, the change will take effect 28 days after the beginning of the billing cycle. You will continue to be on the Pro plan through May 28th and on May 29th you will be downgraded to the Essentials plan. This may require changing the teacher and losing access privileges to some resources.

(c) If you upgrade your plan, the upgrade will take effect as soon as we process your request which can happen as early as the day you requested the upgrade. You will be issued an invoice due upon receipt to cover the outstanding balance difference between your previous plan and the upgraded plan.

(d) When upgrading or downgrading between subscription plans, any remaining balance will be converted to the new plan and rounded up to the nearest 15-minute increment. For example, if 1 hour remains on the Pro plan balance, it will be rounded up to 1.25 hours when converted to the Essentials plan.

Vacation Policy

Elite and Pro plan users are eligible for up to 4 weeks of vacation per year, while Essentials and Simple plan users are eligible for up to 2 weeks. Vacation requests must be submitted through the dashboard or by email at least 7 days in advance, and eligibility begins after the second invoice.

Vacations must be requested in increments of 7 days. If you require time off for less than 7 days, you may use your available cancellations and rescheduling options. A vacation, as defined by IQRA Network, is a minimum of 1 week, and can only be requested in full 7-day increments.

Account Closure

Upon account closure, no refunds are issued. For any outstanding classes, the student is permitted to make up the classes within 30 days of account closure with any available teacher that the Company provides at the same times the student had his previous classes or at other times contingent on teachers’ availability. If the student fails to schedule the lessons within 30 days, all pending and all makeup classes are forfeited.

SMS Updates and Notifications

By creating an account with IQRA Network, you consent to receive regular SMS updates and notifications related to managing your account and lesson updates. These updates may include, but are not limited to, lesson reminders, invoice reminders, and other important information related to your use of our services.

You have the option to opt-out of receiving these SMS updates at any time. To opt-out, simply reply STOP to any of the messages you receive from us. Once you reply STOP, you will be removed from our SMS list and will no longer receive these updates.

Please note that opting out of SMS updates may affect your ability to receive timely reminders and important notifications about your account and lessons.

For any questions or concerns regarding our SMS updates, please contact our customer support team at [email protected].

On the Website, the Company may provide you with convenient links to a third-party website(s) (“Third Party Sites”) as well as content or items belonging to or originating from third parties (the “Third Party Applications&,” Software,” or “Content”).  These links are provided as a courtesy to Website users.  The Company has no control over Third Party Sites and Third Party Applications, Software or Content or the promotions, materials, information, goods, or services available on these Third Party Sites or Third Party Applications, Software or Content.  Such Third-Party Sites and Third Party Applications, Software, or Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by the Company, and the Company is not responsible for any Third Party Sites accessed through the Website or any Third Party Applications, Software or Content posted on, available through or installed from the Website, including the content, accuracy, offensiveness, opinions, reliability, privacy practices or other policies of or contained in the Third Party Sites or the Third Party Applications, Software or Content.  Inclusion of, linking to, or permitting the use or installation of any Third Party Site or any Third Party Applications, Software or Content does not imply approval or endorsement thereof by the Company.  If you decide to leave the Website and access the Third Party Sites or to use or install any Third Party Applications, Software, or Content, you do so at your own risk and you should be aware that our terms and policies no longer govern.  You should review the third-party terms and policies, including privacy and data gathering practices, of any site to which you navigate from the Website or relating to any applications you use or install from the Third Party Site.

INTELLECTUAL PROPERTY

You acknowledge and agree that we and our licensors retain ownership of all intellectual property rights of any kind related to the Website, including applicable copyrights, trademarks, and other proprietary rights.  Other product and company names that are mentioned on the Website may be trademarks of their respective owners. We reserve all rights that are not expressly granted to you under these terms.

WARRANTY DISCLAIMER

THE WEBSITE, IS PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND. WITHOUT LIMITING THE FOREGOING, THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED OR STATUTORY, REGARDING THE WEBSITE INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, SECURITY, ACCURACY AND NON-INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, THE COMPANY MAKES NO WARRANTY OR REPRESENTATION THAT ACCESS TO OR OPERATION OF THE WEBSITE WILL BE UNINTERRUPTED OR ERROR FREE. YOU ASSUME FULL RESPONSIBILITY AND RISK OF LOSS RESULTING FROM YOUR DOWNLOADING AND/OR USE OF FILES, INFORMATION, CONTENT OR OTHER MATERIAL OBTAINED FROM THE WEBSITE. SOME JURISDICTIONS LIMIT OR DO NOT PERMIT DISCLAIMERS OF WARRANTY, SO THIS PROVISION MAY NOT APPLY TO YOU.

LIMITATION OF DAMAGES; RELEASE

TO THE EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS AFFILIATES, DIRECTORS, OR EMPLOYEES, OR ITS LICENSORS OR PARTNERS, BE LIABLE TO YOU FOR ANY LOSS OF PROFITS, USE,  OR DATA, OR FOR ANY INCIDENTAL, INDIRECT, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, HOWEVER ARISING, THAT RESULT FROM (A) YOUR USE OR INABILITY TO USE THE WEBSITE; (B) THE WEBSITE GENERALLY OR THE SOFTWARE OR SYSTEMS THAT MAKE THE WEBSITE AVAILABLE; OR (C) ANY OTHER INTERACTIONS WITH THE COMPANY, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE COMPANY HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, AND EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.  SOME JURISDICTIONS LIMIT OR DO NOT PERMIT DISCLAIMERS OF LIABILITY, SO THIS PROVISION MAY NOT APPLY TO YOU.

MODIFICATION OF TERMS OF SERVICE

We can amend these Terms at any time and will update these Terms in the event of any such amendments.  It is your sole responsibility to check the Website from time to time to view any such changes in these Terms.  By continuing to use the Website following a change to these Terms, you are signifying your agreement to our revisions to these Terms.  However, we will notify you of material changes to these Terms by posting a notice on our homepage. Any changes to these Terms (other than as set forth in this paragraph) or waiver of the Company’s rights hereunder shall not be valid or effective except in a written agreement bearing the physical signature of an officer of the Company.  No purported waiver or modification of these Terms by the Company via telephonic or email communications shall be valid.

GENERAL TERMS

Any failure on the part of the Company to enforce any provision of this Agreement will not be considered a waiver of our right to enforce such provision.  Our rights under this Agreement will survive any termination of this Agreement.

You agree that any cause of action related to or arising out of your relationship with the Company must commence within ONE year after the cause of action accrues.  Otherwise, such cause of action is permanently barred.

These Terms and your use of the Website are governed by the federal laws of the United States of America and the laws of the Commonwealth of Massachusetts, without regard to conflict of law provisions.

The Company may assign or delegate these Terms and/or the Company’s Privacy Policy, in whole or in part, to any person or entity at any time with or without your consent. You may not assign or delegate any rights or obligations under these Terms or Privacy Policy without the Company’s prior written consent, and any unauthorized assignment and delegation by you are void.

The communications between you and Company use electronic means, whether you use the Website or send us emails, or whether the Company posts notices on the Website or communicates with you via email. For contractual purposes, you (a) consent to receive communications from Company in an electronic form; and (b) agree that all terms and conditions, agreements, notices, disclosures, and other communications that Company provides to you electronically satisfy any legal requirement that such communications would satisfy if it were in a hardcopy writing. The foregoing does not affect your non-waivable rights.

If a dispute arises from or relates to these Terms or the breach thereof and if the dispute cannot be settled through direct discussions, you agree to endeavor first to settle the dispute by mediation before resorting to arbitration. You further agree that any unresolved controversy or claim arising out of or relating to these Terms, or breach thereof, shall be settled by arbitration, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.

YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE, UNDERSTAND THE TERMS OF SERVICE, AND WILL BE BOUND BY THESE TERMS AND CONDITIONS. YOU FURTHER ACKNOWLEDGE THAT THESE TERMS OF SERVICE TOGETHER WITH THE PRIVACY POLICY AT https://iqranetwork.com/privacy-policy/ REPRESENT THE COMPLETE AND EXCLUSIVE AGREEMENT BETWEEN YOU AND THE COMPANY REGARDING YOU USE OF THE WEBSITE AND THAT THESE TERMSSUPERSEDES ANY PROPOSAL OR PRIOR AGREEMENT ORAL OR WRITTEN, AND ANY OTHER COMMUNICATIONS BETWEEN US RELATING TO THE SUBJECT MATTER OF THESE TERMS.

Contact Information:

IQRA Network Inc.
17777 Center Court Drive N Suite 600
Cerritos, CA 90703
Email: [email protected]